Pet Insurance in Alaska
The Pet insurance Alaska owners buy falls under Alaska's general property and casualty law, not a separate statute for pets.
- No pet-specific statute governs pet insurance law.
- Regulatory agency Alaska Division of Insurance.
- For complaints, File a complaint.
- State specific: the NAIC product code TOI 9.0 places pet insurance filings in the inland marine insurance category.
Reference links: the NAIC white paper on Pet Insurance (publication-pin-op-pet-insurance), the NAIC Pet Insurance Model Act state page chart (#633), the Alaska Division of Insurance home page, the Alaska Division of Insurance: file a complaint, and the Alaska Division of Insurance Bulletin B16-06.
Under state rules, these plans fall under inland marine coverage, a type of property insurance. In North America, 7.6 million pets are insured, and 4.27% of pets across the United States are among them.
State law sets no special pet coverage rules, so your written contract decides claim and refund terms. For basic coverage, dogs pay $16 a month and cats $9 a month under national accident-only plans, on average.
Alaska pet insurance laws
No pet-insurance-specific statute has been adopted by state lawmakers. Alaska Bulletin No. 2016-6, issued in 2016, appears as related activity for the state in the national model act chart. Under product code 9.0, insurers file pet policies as inland marine coverage, as the Alaska Division of Insurance requires in its 2016 bulletin.
Each company sets its own policy rules when no special state law applies, so you should review a sample contract before purchasing. Review the waiting period, which counts the days between your purchase and the start of coverage. Look for a free-look period, which lets you cancel and receive a full refund in the window right after buying. Learn how the plan treats a pre-existing condition. This means an illness or injury for which your pet showed signs before coverage began.
Companies selling pet insurance in Alaska
Several national providers offer pet insurance in Alaska, and their coverage extends across all 50 states.
- Plans from Nationwide reach every one of the 50 states and DC.
- You can find Spot plans in each of the 50 states.
- Coverage from ASPCA Pet Health Insurance is sold in every one of the 50 states.
- Embrace sells plans throughout all 50 states.
- Fetch offers coverage throughout all 50 states.
- Trupanion operates throughout all 50 states, DC, and Puerto Rico (some people in some states may not have access to products or discounts)
One other seller faces a state limit: Chewy CarePlus doesn't make its Trupanion plans available in Alaska, California, Hawaii, or Vermont.
Prices and insured pet shares for the state aren't published, yet 5.99% of US dogs are covered, along with 2.29% of US cats. Nationally, average premiums for accident and illness coverage run $836 a year for a dog, or $70 a month. The national average for that same coverage is $435 a year for a cat, or $36 a month. Those numbers are national, not Alaska numbers, and the quote you get depends on your pet's breed, age, species, and ZIP code.
Steps for filing a complaint about pet insurance in Alaska
When your insurer won't fix a claim or policy problem, help is available from the Alaska Division of Insurance. Online, you can use the regulator's consumer complaint page to send your dispute. Before you file, gather your policy number and vet bills, plus copies of the messages you had with the insurer.
Request price quotes for coverage on your pet
We do not sell insurance, and we don't quote or bind it. Your request is sent to an insurance agency.